157 Harper St, Ridgeland, MS 39157 Property Records

Madison County property record for 157 Harper St, Ridgeland, MS 39157

Property Summary

Property Type	Single Family Home
Details	5 ba · 2,925 sqft · built 2014
Lot Size	0.119 acres (5,204 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,262 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Aug 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`071F-13C-086`

Property Details

APN / Parcel Number

Primary APN	`071F-13C-086`
Alternative APNs	`071F-13C-086/00.00` `43333`

Interior

Full Baths	5 Baths
Stories	1 Story
Building Area	2,925 sqft Adjusted Area
Gross Area	1,873 sqft
1st Floor Area	1,873 sqft
2nd Floor Area	705 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Metal
Lot Area	5,204 sqft (0.119 acres)

Location & Zoning

Account Number	43333
Street Address	157 HARPER ST
City	RIDGELAND
State	MS
Zip	39157-8675
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 86 THE TOWNSHIP AT COLONY PARK PART 2
Legal Range	01E
Legal Township	07N
Legal Section	13
Legal Subdivision	TOWNSHIP COLONY PARK PT 2
Legal Lot Number	86
Jurisdiction	MADISON MS
Township / Civil Division	3
Census Block Group	1
Census Block	1004
Census Tract	30205

Owner

Source: Madison County records, as of December 2, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	157 HARPER ST, RIDGELAND, MS 39157-8675
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2021	Deed of Trust, Mortgage · Commercial Mortgage PRIORITYONE BANK
Aug 31, 2022	Deed of Trust, Mortgage · Line of Credit PRIORITYONE BANK
Jul 15, 2021	Warranty Deed, Transfer · Commercial Mortgage PRIORITYONE BANK
Jan 21, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS NAT'L BK/MERIDIAN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2021
Deed Sale	Nov 18, 2021
Prior Sale	Jul 15, 2021 · Amount on Record
Deed Document Number	2021944543
Deed Book / Page	4135 / 32
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	157 HARPER ST, RIDGELAND, MS 39157-8675
Transaction Type	Mortgage
Record Updated	Dec 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	168 DEERWOOD XING, CANTON, MS 39046-5352
Investor	Possibly a Property Investor

Mortgage

Document Number	004069/433
Date	Jul 15, 2021
Book Page	4069/433
Instrument	931355

Lender

Name	PRIORITYONE BANK
Type	Bank
Address	RIDGELAND, MS 39157

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 15, 2022

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	157 HARPER ST, RIDGELAND, MS 39157-8675
Transaction Type	Mortgage
Record Updated	Sep 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	157 HARPER ST, RIDGELAND, MS 39157-8675

Mortgage

Document Number	004253/795
Date	Aug 31, 2022
Book Page	4253/795
Instrument	964932

Lender

Name	PRIORITYONE BANK
Type	Bank
Address	RIDGELAND, MS 39157

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 25, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON MS
Recording Date	Jul 15, 2021
Property Address	157 HARPER ST, RIDGELAND, MS 39157-8675
Document Number	4069/430
Book / Page	4069 / 430
Map Reference	CAB D SL 163
Instrument Date	Jul 14, 2021
Instrument	931354
Transaction Type	Transfer
Record Updated	Nov 17, 2021
Title Company	BENCHMARK TITLE LLC (TH), BENCHMARK TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	128 CARRICK AVE, 128, MADISON, MS 39110-6546

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	157 HARPER ST, RIDGELAND, MS 39157-8675

Mortgage

Document Number	4069/433
Date	Jul 15, 2021
Book Page	4069/433
Instrument	931355

Lender

Name	PRIORITYONE BANK
Type	Bank
Address	RIDGELAND, MS 39157

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 15, 2022

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	157 HARPER ST, RIDGELAND, MS 39157-8675
Document Number	0000887791
Instrument Date	Jan 21, 2020
Transaction Type	Mortgage
Record Updated	May 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	157 HARPER ST RIDGELAND MS 391578675, RIDGELAND, MS 39157-8675

Mortgage

Document Number	0000887791
Date	Mar 26, 2020
Book Page	003831/000803
Instrument	887791

Lender

Name	CITIZENS NAT'L BK/MERIDIAN
Type	Bank
Address	RIDGELAND, MS 39157

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Madison County assessment roll, as of November 7, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	Madison County
Municipality	Ridgeland City
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,262.00 Homeowner's exemption	$33,063 (-)	$330,630 (-) Land $65,000 Building $265,630
2024	$3,262.00
2023	$3,262.00 Homeowner's exemption	$33,063	$330,630 Land $65,000 Building $265,630

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	5 (2000–2017)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Apr 2017 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 90% of Mississippi
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF RIDGELAND serves 24,340 people · EPA ID MS0450013
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jan 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber · Fixed Wireless in parts of the area	8,000 / 8,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, NETSPEEDMS.

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